Currently, what is the Number
One Killer in Malaysia? Is it the heart attack,
cancer or the accident? Accordingly to the
surveys, the incidents of heart attack, cancer,
stroke, etc. have been on the rise every year
in which the suffers are mainly consists of
the younger age group. The main causes of
the above trends may due to the dietary habits,
pollution, lack of exercise and others. However,
do you agree that with the advancement of
the medical science, most of the diseases
can be treated if there are no financial constraints?
If it is so, what do you think for the minimum
amount required if treatment is done in a
private hospital for these kinds of diseases?
RM30,000-RM50,000 or more than RM50,000? Based
on the finding from the research, 85% of the
population do not have a ready cash of RM50,000,
14% of the population can raise RM50,000 with
some difficulty, and only 1% of the population
have a ready cash of RM50,000.00. Thereinafter,
if a person suffer from one of the diseases
and needed RM50,000 for the treatment, he
or she will be facing a serious financial
problem. There will be few ways for us to
solve our financial problems such as selling
off the properties, personal savings, relatives
or friends as well as asking the help from
charity. However, if there is an "Independent
Health Care Program" where you can receive
the Cash Needed upon diagnosis of any of the
dread diseases without depending on any of
the above methods, would you be interested?

In common law, insurance practice
obtained substantial recognition as recent
years witnessed rapid development in this
area. Such developments might as a result
of rapid growth in the legal system in the
field of trade and commerce. In Islamic law,
the idea of insurance originated from the
agreement between two people of the ancient
Arab tribes before 570 AC.

A scheme based on brotherhood, solidarity
and mutual assistance which provides for
mutual financial aids and assistance to
the participants in case of need whereby
the participants mutually agree to contribute
for that purpose.

-Section 2 of the Malaysian Takaful
Act 1984

“…Do not enter through one gate
but enter through different gates…”(Yusuf:67)
“…they should bequeath unto
their wives a provision for one year…”(Al-Baqarah:240)